Job description

Job Description

Licensed Purchase Loan Officer – Consumer Direct

As a Purchase Loan Officer at PHH Mortgage, you will be responsible for inbound and outbound calls to existing portfolio customers, offering a range of mortgage products to help them achieve their homeownership goals. This role requires you to build strong relationships with homeowners while meeting individual sales targets, company retention goals, and most importantly, delivering excellent customer service.

At PHH Mortgage, we offer a dynamic, fast-paced environment with a supportive company culture and a large portfolio to back you. Join us to help homeowners achieve their dreams and grow your career!

Who are we looking for?

Experienced Loan Officers with NMLS Licenses (including UST component)
Motivated individuals with a sales-driven mindset, capable of thriving in a call center environment
Customer-focused professionals who enjoy building relationships and guiding homeowners through the purchase process

What We Offer Our Licensed Loan Officers

Competitive base salary paid bi-weekly, plus overtime opportunities
Monthly commission structure
Quarterly incentives for top producers
Comprehensive benefits package (health, life, dental, vision, 401k, PTO)
Training support to set you up for success
Access to warm inbound and outbound leads from our extensive portfolio

Key Responsibilities

Handle inbound and outbound leads from existing clients to help them secure a purchase mortgage
Qualify borrowers for purchase loans using automated underwriting systems (DU/LP)
Provide mortgage options in a single call, assisting clients in choosing the best loan for their needs
Gather necessary documentation and submit completed mortgage applications for processing
Set clear expectations with clients from the start of the transaction and provide ongoing communication throughout
Ensure compliance with all regulatory mortgage guidelines and company policies
Collaborate with internal operations to maintain clean files and ensure smooth loan closings
Enter and manage transactions in PHH Mortgage's lead management system
Provide exceptional customer service to all borrowers, ensuring a positive experience throughout the loan process
Balance your day between managing inbound leads and following up with clients in your sales pipeline to meet performance standards
Attend training, sales meetings, and other company events as required
Stay current with mortgage industry trends and complete required internal training

Qualifications

High School Diploma, GED, or military experience equivalent
Minimum of 1 year of Encompass experience required
Preferred 2 years of Loan Officer experience, particularly in a call center or phone-based sales role
Ability to obtain required licensing and continuing education in multiple states (company-sponsored)
Maintain all necessary federal and state licensing annually (including background and credit checks)
Strong customer service skills, with the ability to address client concerns effectively
Professional communication skills
Proficient in Microsoft Office, particularly Word, Excel, and Outlook
Must be able to work a shift schedule that includes one evening shift per week and one Saturday per month (4-hour shift, paid overtime)

Salary & Benefits

The expected salary range for this position is $42,000 per year, with commission eligibility based on experience and geographic location
Additional incentives and bonuses available for high-performing individuals

Join us and help homeowners achieve their dreams while growing your career in a rewarding and supportive environment!

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